Listen up, I've got some tough love to dish out today, but it comes from a place of wanting the absolute best for you and your financial future. In this no-nonsense episode, I reveal the biggest money mistakes that most people make, often without even realizing how much they're sabotaging themselves. Get ready to have your eyes opened.


First, we get rare insider access into the world of the mega-rich and their secret struggles. I share fascinating tidbits from an interview with a therapist who caters exclusively to high-net-worth individuals in New York City. Despite having it all, his clients still deal with isolation, entitlement, distrust, shame, and more. As he explains, money turns up the volume on life - it makes the highs higher and the lows lower.


Then we dive into the main segment: the four key areas where you are failing with your money right now. I start with the most basic and boring yet crucial mistake - not budgeting. I explain practical steps for getting your spending under control, from tracking every transaction to leveraging helpful apps. Consider this your wake-up call.


Next, we look at how only paying the minimum balance on debts keeps you stuck in a vicious cycle for decades. I offer proven strategies like the Debt Snowball and Debt Avalanche to accelerate your payoff timeline. Then we discuss the critical importance of an emergency fund, and how being caught unprepared can send you right back into the chains of debt. Finally, we touch on why buying too much car causes buyer's remorse and financial pain.


I wrap up with a short video clip breaking down the troubling trend of retailers eliminating free returns. The days of abusing lenient policies are over thanks to good old wardrobing. But not to worry - I've got five sneaky hacks to help you avoid new return fees.